Photo of Jacob  Thomas
Phone
MAIN: 573-673-6332
OFFICE: 573-818-2209
NMLS: 2390940
Company NMLS: 227262

Jacob Thomas 

Mortgage Loan Originator 

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.
Phone
MAIN: 573-673-6332
OFFICE: 573-818-2209
NMLS: 2390940
Company NMLS: 227262

Jacob Thomas 

Mortgage Loan Originator 

Get ready to get approved!

It’s easy to get prepared for your application. Depending on your unique financial situation, there are several documents you might need when applying for a home loan. It’s a good idea to start prepping your financial documents before you start to ensure a smooth application process. Here is a list of the most common documents to have on hand before you start:

  • Two most recent years W2s
  • Two most recent years tax returns (personal & business if applicable)
  • Two most recent paystubs
  • Two most recent months bank statements
  • Two most recent months 401K or retirement statement
  • Copy of front of valid drivers license

Apply Now

Click link to see applicable state licensing.

About

Teamwork divides the task and multiplies the success.  That is what you get with USA Mortgage, a team working as a single unit to make your loan a seamless process, helping you realize your dreams.  I am no stranger to championship-level teams. I have four years of final finishes at the Big XII championships with the University of Missouri Tigers Swimming, which coincided with a magna cum laude academic career with the MU College of Business and then the prestigious firm of Bear Stearns in Manhattan, New York, where the real education began.  All this training and experience left me with great stories and a promising outlook, then the financial mortgage crisis of 2008 left me wondering what went wrong.

The takeaways from this great American catastrophe are diverse and dynamic but nothing struck me more than how millions of Americans were able to take impractical loans they could not afford against property with irrational valuation.  Ultimately this is the basis for what the talented team at USA Mortgage has been brought together to do; evaluate market factors as they change using a deep network of expert analysis in real-time, educate consumers in open communication throughout every step of decision-making, and process all regulatory and lending requirements to the minute detail ensuring your goals are achieved in time as promised.

My team’s success is again multiplied by the tireless contributions of my loving wife Natalie Thomas, a Columbia native and Director of Advancement with Columbia Independent School.  Together we hope to bring useful change to our community.  We are blessed with two beautiful children Jake Boone and Margot “Gigi” Rose, our golden doodle Winnie and our most recent rescue, a lemon beagle named Cherry.  We love to enjoy all that Columbia and the Lake of the Ozarks have to offer. You will likely run into us around town enjoying some time away from the office.  Beware we are sweat enthusiasts and after a drink will likely encourage you to join us at our local Orange Theory gym to enjoy working it off for another great day!  The team and I are looking forward to making your next dream your newest reality!

Reviews

15 Reviews Found. Average score 4.87 out of 5 Stars
Now showing page 1 of 2.

Duane M. in Potosi, MO

Great Experience on October 30, 2023
Jacob, was there for us the whole time. He went to bat for us at a critical time and we are so grateful he was our originator.
Loan Originator: Jacob Thomas

Samantha W. in Oran, MO

Great Experience on October 30, 2023
How quickly it all went
Loan Originator: Jacob Thomas

Aaron W. in Raytown, MO

Great Experience on September 27, 2023
At the start of my process I had two lenders and I needed a lender to close on a good deal, and Jacob responded on the dot. He was always there to help. When I think of Jacob I think of the State Farm jingle. Have Jacob in my corner made me feel like USA mortgage had my back.
Loan Originator: Jacob Thomas

Melissa G. in Hughesville, MO

Great Experience on September 6, 2023
Jacob always responded quickly and was able to find an answer for all my questions. He genuinely cares about his clients and gives great advice. He’s very knowledgeable in his field and made me feel comfortable throughout the entire process. I feel like he was looking out for my best interest. I will definitely refer him to my friends and family!
Loan Originator: Jacob Thomas

Kendrick G. in Columbia, MO

Great Experience on August 22, 2023
I have a unique situation as I work overseas. Jacob was patient ad attentive to my needs and when things didn't go according to plan and we had to adjust a little bit Jaco was there to assist and lend his expertise. I firmly believe if I did not have Jacob I would not have been able to close on my deal.
Loan Originator: Jacob Thomas

Travis D. in Macon, MO

Great Experience on August 18, 2023
Easy and informative especially with the app.
Loan Originator: Jacob Thomas

Phillip B. in Fulton, MO

Great Experience on August 15, 2023
Jacob made the process as smooth and painless as possible from start to finish. He was quick to answer my questions and helped me along the journey. I would strongly recommend him to anyone looking to purchase a home!
Loan Originator: Jacob Thomas

Jericah L. in Macon, MO

Great Experience on August 15, 2023
Jacob was responsive and helpfully answeted any questions we had.
Loan Originator: Jacob Thomas

Not what you were looking for?

Scroll through the list below to find our branch locations and Mortgage Loan Originators.